Texas is an expansive state, with a two hour drive to a major city considered a pretty short distance. You’re going to get a lot of use out of your car around the Austin, TX area and suburbs, although it does have a fairly solid public transportation option available. When you start going outside of the city, however, you’re very car dependent in this area.
You need to protect your car and your ability to legally drive by holding auto insurance. You have to have a policy that has liability coverage on your vehicle so that you cover the costs of the other driver if you get in an accident and you are considered the at fault party. While liability does save you from taking a wallet hit when it comes to paying for someone else’s bills, it doesn’t do anything for your own bills. You need additional types of insurance on your policy if you don’t want to pay for your own damage in an at-fault accident. If you are not at fault in an accident, or if it is no fault, the liability insurance handles that claim.
Collision is another auto insurance type that does provide you with protection on your personal vehicle. You do have to pay up to your deductible, but after that the insurance company handles the repair costs for your car. This is a good idea for newer vehicles that are worth repairing and not simply replacing.
Want to talk to an experienced auto insurance agency in the Austin, TX area? Get in touch with us so we can go over all of your options, let you know how you can save money on your auto insurance, and give you information specific to this area. We use a free online quote system so you can get in touch with us whenever it’s most convenient for you.